24 banks and credit unions have branches in Gainesville. The Bank Fee Index holds published fees for 24 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Florida
Gainesville counts institutions with a branch here, wherever headquartered. Florida counts institutions headquartered in the state.
Gainesville
16 institutions with a branch here
$2.75
Florida
62 institutions headquartered in Florida
$2
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Gainesville median sits furthest from Florida's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Gainesville with Florida and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $10 to $40.
Median published overdraft fee
Gainesville
17 institutions with a branch here
$35
Florida
71 institutions headquartered in Florida
$30
U.S.
2,605 institutions in the index
$30
Gainesville covers every institution with a branch here, wherever it is headquartered. Florida covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
24 institutions, 17 with a published overdraft fee.
Credit union, membership rules apply · based in Gainesville, FL · 7 branches here
Account not yet known
“CAMPUS Courtesy Pay (Checks and ACH) | $35.00”
Credit union, membership rules apply · based in Gainesville, FL · 7 branches here
Bank · based in Sioux Falls, SD · 5 branches here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Charlotte, NC · 5 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Columbus, OH · 5 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Atlanta, GA · 4 branches here
Account not yet known
“Overdraft Fee4 | $35.00”
Bank · based in Charlotte, NC · 4 branches here
Account not yet known
“• Truist will charge you an Overdraft Fee, if applicable, of $36 each time we pay an overdraft on your behalf.”
Bank · based in Tallahassee, FL · 4 branches here
Account not yet known
“Overdraft Item Fee* | $35”
Credit union, membership rules apply · based in Gainesville, FL · 4 branches here
Account not yet known
“Non-Sufficient Funds (NSF) / Courtesy Pay Fees*:share draft or electronic item (each) … $40.00Replace Visa Debit Card …”
Bank · based in Wilmington, DE · 3 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Largest banks by local bank deposits
Share of the $5.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Alachua County
Deposits and branches cover the City of Gainesville. Population and income cover Alachua County, the county with most of Gainesville's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Alachua County.
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